LACHEBA
ActiveThe computed 12-month bankruptcy probability of LACHEBA is 2.7% (moderate). The 2024 annual accounts show equity of €155k and a net result of €47k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 27% of 862 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▼-14
Solvency45▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity short (current ratio 0.65 against 0.65 in 2023; short-term debt: 65.9% and cash: 26.1% of total assets), and 79.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
23 d early
2022
66 d late
2021
6 d early
2020
5 d late
2019
8 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€47k▼ 68.7%
2023 · €151k
2019: €18k
2020: €40k
2021: €33k
2022: €-48k
2023: €151k
2019 → 2024
Working capital
€-174k▼ 1.9%
2023 · €-170k
2019: €-35k
2020: €714
2021: €-110k
2022: €-149k
2023: €-170k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€98k-€131k▲ 33.2%€82k▼ 36.8%€148k▲ 79.6%€155k▲ 4.8%
Operating result€54k-€43k▼ 20.8%€-43k€191k€83k▼ 56.6%
Net result€40k-€33k▼ 18.2%€-48k€151k€47k▼ 68.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 57% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €764k
Fixed assets
€434k▼ 20.9%
Current assets
€329k▲ 2.8%
Equity and liabilities €764k
Equity
€155k▲ 4.8%
Debt
€608k▼ 15.7%
The debt ratio falls from 83.0% to 79.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€202k▼
2023 · €312k
Cash flow
€166k▼
2023 · €272k
Solvency
20.3%▲
2023 · 17.0%
Current ratio
0.65▲
2023 · 0.65
Quick ratio
0.63▲
2023 · 0.63
Debt / equity
3.92▼
2023 · 4.87
ROE
30.3%▼
2023 · 101.7%
ROA
6.2%▼
2023 · 17.3%
Interest coverage
10.68▼
2023 · 18.91
Debt
€608k▼
2023 · €721k
Debt ≤ 1 year
€503k▲
2023 · €491k
Debt > 1 year
€105k▼
2023 · €231k
Income taxes
€18k▼
2023 · €24k
Staff costs
€508k▲
2023 · €377k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€870k€764k▼
Fixed assets21/28€549k€434k▼
Tangible fixed assets22/27€549k€434k▼
Plant, machinery and equipment23€108k€88k▼
Furniture and vehicles24€6k€4k▼
Leasing and similar rights25€194k€142k▼
Other tangible fixed assets26€240k€200k▼
Current assets29/58€320k€329k▲
Stocks and contracts in progress3€13k€14k▲
Stocks30/36€13k€14k▲
Amounts receivable within one year40/41€22k€113k▲
Trade receivables40€14k€53k▲
Other amounts receivable41€8k€60k▲
Cash at bank and in hand54/58€278k€199k▼
Deferred charges and accrued income490/1€7k€3k▼
Equity and liabilities
Total equity and liabilities10/49€870k€764k▼
Equity10/15€148k€155k▲
Contributions10/11€40k€40k=
Reserves13€108k€115k▲
Distributable reserves133€108k€115k▲
Amounts payable17/49€721k€608k▼
Amounts payable after more than one year17€231k€105k▼
Financial debts170/4€231k€105k▼
Amounts payable within one year42/48€491k€503k▲
Current portion of amounts payable after more than one year42€124k€125k▲
Trade debts44€198k€239k▲
Suppliers440/4€198k€239k▲
Advances received on contracts in progress46€10k-
Taxes, remuneration and social security45€74k€99k▲
Taxes450/3€32k€48k▲
Remuneration and social security454/9€42k€51k▲
Other amounts payable47/48€85k€40k▼
Income statement
Code20232024
Non-recurring operating income76A€92k-
Remuneration, social security and pensions62€377k€508k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€121k€119k▼
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A€79k€133▼
Gross operating margin9900€776k€718k▼
Operating profit (loss)9901€191k€83k▼
Financial income75/76B-€648
Recurring financial income75-€648
Financial charges65/66B€16k€19k▲
Recurring financial charges65€16k€19k▲
Profit (loss) for the period before taxes9903€175k€65k▼
Income taxes67/77€24k€18k▼
Profit (loss) for the period9904€151k€47k▼
Profit (loss) for the period to be appropriated9905€151k€47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€151k€47k▼
Profit (loss) brought forward from the previous period14P€489-
Transfer to equity691/2€66k€7k▼
To other reserves6921€66k€7k▼
Profit to be distributed694/7€85k€40k▼
Directors or managers695€85k€40k▼
Social balance
Average headcount (FTE)908710.013.3▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150kEq €155k ▲4.8%
2 profitable years in a row build equity to €155k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €151k
Net result €151k after one loss-making year.
31-12
Financial
Equity above €100kEq €148k ▲79.6%
Equity rises from €82k to €148k.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 66 days late
2022
31-12
Financial
Weakest financial yearnet €-48k ▼248%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €100kEq €131k ▲33.2%
3 profitable years in a row build equity to €131k.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gembloux · 2 establishment units since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Poiriers, Sauv. 15030 GemblouxGround area
8,033 m²
Building footprint
2,225 m²
Volume, LiDAR
5,009 m³
3 parcels, Wallonia · tallest building 22.8 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
le Pain d'Antan
since 20182.282.217.483
LE PAIN D'ANTAN
since 20212.313.790.092
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92253D0280/00M004 | Wallonia | 5,977 m² | 1 · 1,640 m² | - |
| 62098C0036/00P003 | Wallonia | 1,981 m² | 1 · 499 m² | 8.9 m · 2 fl. |
| 62803A1097/00K000 | Wallonia | 75 m² | 1 · 86 m² | 22.8 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesAywaille2.313.790.092
Liège2.282.217.483
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MASSIN Frères
BE 0640.719.543
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BELODIUM
BE 0637.784.797
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WITHOUCK - DE GROOTE
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Of 430 companies in sector 10720 we hold annual accounts for 139. 87 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-09-2018
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.